Figure 4.1
FIT INDEXES FOR THE STUDY CONSTRUCTS
Figure 4.2
FIT INDEXES FOR THE INTEGRATED MODEL
Figure 4.3
RELATIONSHIPS BETWEEN INTEGRATED MODEL CONSTRUCTS AND THE IMPACT OF DIRECT, INDIRECT, AND TOTAL EFFECTS
Q5. Earning a high long-term total return that will allow my capital to grow faster than the inflation rate is one of my most important investment objectives.*
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Q6. I would like an investment that provides me with an opportunity to defer taxation of capital gains and/or interest to future years.
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Q7. I do not require a high level of current income from my investments.
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Q8. I am willing to tolerate sharp up and down swings in the return on my investments in order to seek a potentially higher return than would normally be expected from more stable investments.*
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Q9. I am willing to risk a short-term loss in return for a potentially higher long-run rate of return.*
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Q10. I am financially able to accept a low level of liquidity in my investment portfolio.*
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*
Q11. In uncertain times, I usually expect the best.*
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Q12. It's easy for me to relax.
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Q13. If something can go wrong for me, it will.*
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Q14. I'm always optimistic about my future.*
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Q15. I enjoy my friends a lot.
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Q16. It's important for me to keep busy.
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Q17. I hardly ever expect things to go my way.*
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Q18. I don't get upset too easily.
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Q19. I rarely count on good things happening to me.*
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Q20. Overall, I expect more good things to happen than bad.*
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*
Q21. I am responsible for my own success.*
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Q22. I can do just about anything, if I really set my mind to it.*
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Q23. My misfortunes are the result of mistakes I have made.*
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Q24. I am responsible for my failures.*
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Q25. The really good things that happen to me are mostly luck.
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Q26. There's no sense planning a lot - if something good is supposed to happen, it will.
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Q27. Most of my problems are due to bad breaks.
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Q28. I have little control over the bad things that happen to me.
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Q29. I think it's normal for people to be indebted to pay for things.*
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Q30. It's important to know how to control the expenses of my home.
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Q31. I know exactly how much I owe to stores, credit card or banks.
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Q32. It's better to save money first, and only then, to spend it.*
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Q33. I prefer to pay in installments than to wait until I have money to pay in cash.*
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Q34. I prefer to pay in installments even if it is more expensive in total.*
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Q35. People would be disappointed with me if they knew I have debts.
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Q36. It's not right to spend more than the amount I earn.
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Q37. Having debt is not a problem if I know I can afford it.
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*
Below BRL 10,000.00
[ ]
Between BRL 100,000.00 and BRL 110,000.00
[ ]
Between BRL 10,000.00 and BRL 20,000.00
[ ]
Between BRL 110,000.00 and BRL 120,000.00
[ ]
Between BRL 20,000.00 and BRL 30,000.00
[ ]
Between BRL 120,000.00 and BRL 130,000.00
[ ]
Between BRL 30,000.00 and BRL 40,000.00
[ ]
Between BRL 130,000.00 and BRL 140,000.00
[ ]
Between BRL 40,000.00 and BRL 50,000.00
[ ]
Between BRL 140,000.00 and BRL 150,000.00
[ ]
Between BRL 50,000.00 and BRL 60,000.00
[ ]
Between BRL 150,000.00 and BRL 160,000.00
[ ]
Between BRL 60,000.00 and BRL 70,000.00
[ ]
Between BRL 160,000.00 and BRL 170,000.00
[ ]
Between BRL 70,000.00 and BRL 80,000.00
[ ]
Between BRL 170,000.00 and BRL 180,000.00
[ ]
Between BRL 80,000.00 and BRL 90,000.00
[ ]
Between BRL 180,000.00 and BRL 190,000.00
[ ]
Between BRL 90,000.00 and BRL 100,000.00
[ ]
Between BRL 190,000.00 and BRL 200,000.00
[ ]
Above BRL 200,000.00. How much?
[ ]
Below BRL 5,000
[ ]
Between BRL 5,000 and BRL 15,000
[ ]
Between BRL 15,000 and BRL 25,000
[ ]
Between BRL 25,000 and BRL 35,000
[ ]
Between BRL 35,000 and BRL 45,000
[ ]
Between BRL 45,000 and BRL 55,000
[ ]
Between BRL 55,000 and BRL 65,000
[ ]
Between BRL 65,000 and BRL 75,000
[ ]
Between BRL 75,000 and BRL 85,000
[ ]
Between BRL 85,000 and BRL 95,000
[ ]
Between BRL 95,000 and BRL 105,000
[ ]
Between BRL 105,000 and BRL 115,000
[ ]
Between BRL 115,000 and BRL 125,000
[ ]
Between BRL 125,000 and BRL 135,000
[ ]
Between BRL 135,000 and BRL 145,000
[ ]
Between BRL 145,000 and BRL 155,000
[ ]
Between BRL 155,000 and BRL 165,000
[ ]
Between BRL 165,000 and BRL 175,000
[ ]
Between BRL 175,000 and BRL 185,000
[ ]
Between BRL 185,000 and BRL 195,000
[ ]
Above BRL 195,000. How much?
[ ]
Thumbnail
Thumbnail
Note: Made using Amos™. Source: Elaborated by the authors.
Note: Made using Amos™. Circles represent the constructs, squares, the variables and arrows point the established relationships. Non-significant relationships appear in navy blue (thin arrows), while significant relationships (thick arrows) are highlighted in navy blue when the effect is positive and in light blue when the effect is negative. Source: Elaborated by the authors.